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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,667 | $124,336-23.9% | $111,303-14.9% | $167,518-43.5% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 41.37% | 37.45%+3.9pp | 54.66%-13.3pp | 478.71%-437.3pp |
| Employer contribution / active EE | $2,953 | $3,436-14.1% | $2,731+8.1% | $4,838-39.0% |
| Participant deferral / active EE | $4,367 | $5,181-15.7% | $4,487-2.7% | $6,342-31.1% |
| Admin fee / account holder | $6,403 | $10,623-39.7% | $7,966-19.6% | $12,312-48.0% |